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Best burial insurance for 2021

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Burial insurance is specifically designed to cover your funeral, burial and end-of-life expenses, like unpaid medical bills. Also known as final expense insurance or funeral insurance, it’s typically sold as a permanent policy, though a handful of companies package it as a term policy that lasts a set number of years. Either way, this type of coverage is best for seniors who don’t have a life insurance policy and want to cover the costs of their own funeral.

How we picked the best burial insurance policies

Our writers and editors are committed to being objective and empowering our readers to make educated decisions.

When analyzing life insurance providers, we assess the insurer’s reputation in the industry, as well as its product lineup, rider selection and underwriting standards. To determine industry reputation, our editorial team researches the company’s financial strength, accreditations and ratings and reads customer reviews.

What are the best burial insurance companies?

Best overall: Mutual of Omaha burial insurance

Mutual of Omaha burial insurance logo
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$2,000 – $25,000
Coverage range
45-85 years
Issue age
Mutual of Omaha is one of the most respected life insurance companies out there, and its final expense product is in line with this reputation. Its final expense policy is offered to customers between 45 and 85 years old and starts at $2,000, making it ideal for those who only want or need a small amount of coverage. All policies are guaranteed issue, which means all applicants are accepted and no medical exam is required..
  • Coverage as low as $2,000
  • Guaranteed issue means no one is turned away
  • Sells policies up to age 85
    Coverage range $2,000 – $25,000
    Issue age 45-85
    Issue Age 45 -75 in New York
    Guaranteed acceptance Yes
    Waiting period 2 Years
    State availability All 50 States

    Best for people without perfect health: Forester Financial burial insurance

    Forester Financial burial insurance logo
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    $5,000 – $35,000
    Coverage range
    50-85 years
    Issue age
    Foresters Financial has options for final expense policies with immediate coverage and more lenient underwriting guidelines than some other companies. For example, it offers policies that accept people with depression, high blood pressure, high cholesterol and mental health problems. Depending on your health condition, you may also find some of the most competitive rates. Foresters is a fraternal organization, which means it offers a number of other benefits for free, such as scholarships, grants, family events and discounted legal services.
    • Forgiving underwriting
    • Member benefits included
    • Competitive rates
      Coverage range $5,000 – $35,000
      Issue age 50-85
      Guaranteed acceptance No
      Waiting period Depends On Final Approved Plan
      State availability All 50 states

      Best for immediate coverage: Transamerica burial insurance

      Transamerica burial insurance logo
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      $1,000 – $50,000
      Coverage range
      45-85 years
      Issue age
      Transamerica offers same-day approval in many cases, with coverage starting immediately upon approval. This means you might be able to get coverage the same day that you apply. Transamerica's policy options also allow for up to $50,000 in coverage if you're under 55 years of age, although that benefit amount tiers down if you're over 55 years old when you apply, with $25,000 being the max if you're between ages 76 and 85.
      • No exams or lab work required
      • Same day approval in most cases
      • Some policies go into effect within a day
        Coverage range $1,000 – $50,000
        Issue age 45-85
        Guaranteed acceptance No
        Waiting period No waiting period
        State availability All 50 states

        Best for fast, online quotes: Fidelity burial insurance

        Fidelity burial insurance logo
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        $5,000 – $35,000
        Coverage range
        50-85 years
        Issue age
        Fidelity's online system allows you to quickly get a quote and apply without talking to an agent. Once you apply, Fidelity offers a fast underwriting period of only a few days, with no waiting period once you're approved. This means that your coverage will likely begin just a few days after you send in your application, which might be beneficial for people who need coverage quickly.
        • Quick online
        • Immediate coverage upon approval
        • No medical exam
          Coverage range $5,000 – $35,000
          Issue age 50-85
          Guaranteed acceptance No
          Waiting period None
          State availability All except NY

          Best for pre-existing conditions: Gerber burial insurance

          Gerber burial insurance logo
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          $5,000 – $25,000
          Coverage range
          50-85 years
          Issue age
          Not just for kids, Gerber Life will cover you no matter your current health if you're between 50 and 80 years old. There are no exams or health questionnaires, so you can buy a Gerber Life final expense policy no matter what. But because of this, there is a 2-year waiting period from when you're approved to when your coverage begins.
          • Guaranteed acceptance
          • No medical exams or health questionnaires
          • Online application
            Coverage range $5,000 – $25,000
            Issue age 50-85
            Guaranteed acceptance Yes
            Waiting period 2 Years
            State availability All 50 states
            Protect your loved ones
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            How do I choose the best burial insurance for me?

            Most people who buy burial insurance are seniors and are only concerned about paying for their final expenses, which could include the cost of a funeral, burial and final medical expenses.Burial insurance technically could be used for any type of expense, but it’s designed to cover the cost of these final, end of life expenses.

            When you’re looking for a final expense policy, consider the following factors:

            • Guaranteed issue. Most burial insurance policies guarantee coverage no matter your health status. However, some companies require at least a health questionnaire, so if you’re not healthy then you’ll need to find a company that’s 100% guaranteed.
            • Maximum coverage amount. Since these policies are designed to cover final expenses only, there’s typically a cap on coverage. Some companies offer up to $25,000, while others might offer more. If you want to cover final medical bills, look for more than $25,000 in coverage.
            • Maximum issue age. The standard age limit to buy a new policy is 85, though each insurer might have a slightly different age limit. Once you have a policy, it typically won’t expire until age 120, but be sure you meet the age eligibility for the company you’re looking at.
            • Turnaround time for coverage. Each company offers a slightly different turnaround time from when you submit the application to when you have coverage. If you need coverage immediately, be sure to check how fast the company can approve your coverage.

            Compare more top burial insurance companies

            Name Product Guaranteed Acceptance Issue Ages Minimum Coverage Maximum Coverage
            Policygenius
            No
            18 - 85
            $50,000
            $10,000,000
            Compare 12+ top insurers side-by-side to get the best possible deal, and shop return of premium policies online.
            Bestow burial insurance
            Yes
            21 - 55
            $50,000
            $1,000,000
            Sproutt
            No
            18 - 75
            $50,000
            $10,000,000
            Compare 40+ insurers and apply online to get the lowest possible price — no medical exam required.
            Haven Life
            No
            20 - 64
            $100,000
            $3,000,000
            Fill out a quick online application and get approval in minutes with up to $3 million in coverage.
            Fabric burial insurance
            No
            25 - 85
            $100,000
            $5,000,000
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            Compare up to 4 providers

            Bottom line

            Burial insurance might be a good option if you don’t have life insurance and just want to cover your final expenses. Many of the standard life insurance companies offer some type of burial insurance, though the best one for you will depend on your needs and what you’re looking for.

            To see what other options you might have for life insurance, compare life insurance companies to find the best one for you.

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